bupe prover pack

HELP ING US TO WORK WITH YOU

Provider introduction pack

For over 60 years we’ve delivered peace of mind on a daily basis to our members. Our brand is synonymous with health and care on a global scale and is trusted by more than 10 million customers worldwide. To welcome you as one of our Network Providers we have prepared this book to help you understand us and our members.

www.bupa-intl.com/for-providers

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CONT ENTS

Page 03 Welcome to our world

Page 04 Benefits for our providers

Page 06 Knowing our customers

Page 10 Understanding our products and services

Page 16 Understanding our processes

Page 18 Claims management

0 Supporting your online needs

Page 22 Caring about your sales and marketing needs

Page 26 Giving you the credit you deserve

Page 28 Bupa International’s Quality Assurance Programme

Page 30 Being close enough to help


WELCOME TO OUR WORLD

Bupa’s reputation as a specialist health insurance provider began in 1947 when it was established in the UK as a Provident Association, offering private medical insurance to its members. Over 60 years on, Bupa continues to deliver peace of mind on a daily basis and Bupa has become a household name, across the world. The Bupa brand is synonymous with health and care on a global scale and is trusted by more than 10 million customers worldwide.

Bupa International was established in 1971, and we are one of the leading international private medical insurance providers for expatriates. We have also been the winner of the best International Private Medical Insurance provider four out of the last five years. We have a customer base spanning 190 countries with a Provider Network of over 7,500 hospitals. Outside the UK we have offices in Denmark, Spain, France, Hong Kong, Egypt and several other locations, so we’re never far away from our customers.

What makes us different from most other organisations is the way in which we immerse ourselves in our environment – health insurance is our only focus and we go to great lengths to get things right. A large part of this involves working closely with various providers and medical experts in order to deliver a great service to our members.

This guide has been put together specifically for you, our Network Providers. It includes information on all aspects of our business – from our products and processes, right through to quality assurance and marketing support.

We are sure you will find it useful.

Victoria Pollitt, Head of Healthcare Services.

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We pride ourselves on working with quality hospitals, clinics and trauma centres worldwide. Through direct settlement arrangements, you can be assured that all pre-authorised treatment you administer is covered and you can focus on treating our member.

As a Bupa International Network Provider you can enjoy the following benefi ts:

° Promotion of your facility by one of the world’s leading providers of international private medical insurance for expatriates

° Promotion on our websites, available both to our members and our corporate secretaries

° Referral of our members to your facility, when appropriate

° 24-hour access to the Healthcare Services team for pre-authorisation of treatment

° 24-hour customer service to answer queries on your claims

° Access to our multi-lingual staff to assist you in your language of choice

° Claims reimbursement at a frequency of your choice and by payment method of choice

As one of the world’s leading providers of international private medical insurance for expatriates, Bupa International recognises the importance of strong relationships with our Network Providers.


BENEF ITS FOR OUR PROVIDERS


KNOWING OUR CUSTOMERS

“BUPA PEOPLE ARE APPROACHABLE, RESPONSIBLE AND CARING. I CAN COUNT ON THEM TO LISTEN TO ME AND PROACTIVELY ACT IN MY BEST INTEREST.”


Bupa International members range from vast multi-national organisations to individual expatriates and their families. They tend to have individual requirements for their health insurance package, but with one thing in common – they buy Bupa International based on our reputation, excellent product range and peace of mind knowing they are in good hands.

YOUNG WORKERSThe youngest average age of all our members, they are usually individuals in the early stages of their careers utilising their freedom to take advantage of overseas opportunities in less developed and developing countries (relative to where they originate). They will want access to healthcare that is similar to their country of origin.

INTERNATIONAL WORKERS AND THEIR FAMILIESPrimarily English speaking and sent overseas on assignment to a non English speaking country. They will want access to the best possible care for themselves and their family.

HIGH NET WORTH MEMBERSResidents in highly developed countries and tax havens, these are our most affluent members and insist on access to the best treatment globally. They will often travel to specialised facilities to receive their medical treatment.

RETIRED ExPATRIATESOur members are around retirement age and often retire abroad with their partner. They are often located in one of the many global retirement havens such as Spain, Gibraltar, Australia and Canada but can also be found travelling around the globe.

WEALTHY LOCAL NATIONALSSimilar to our high net worth members, however they are customers who reside in their country of origin (hence not globally mobile). Primarily they are resident in less developed countries in terms of healthcare. In many situations international private medical insurance is purchased to provide a superior level of cover and allow for travel to neighbouring countries to seek medical treatment. In many cases international health insurance is purchased to support, top up (where allowed) or replace existing domestic insurance.

Our members usually come to us for help when they are at their most vulnerable, which is why it is essential that we always respond quickly to deliver a first class service. With this in mind we have gone to great lengths to understand our different member profiles well in advance of any illness or injury – so that when the time comes to act, we are prepared for all eventualities.

Knowing our different member profiles may help you too, and after conducting some research, we’ve put together some examples of the types of individuals you might encounter:

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MRS S, BUPA INTERNATIONAL CUSTOMER, ASIAOn two separate occasions, Bupa has been instrumental in helping me to access critical medical care not otherwise available in Nepal. First, in 2008 when I was in the hospital in Singapore with an extremely serious case of typhus, and second during this last month when you evacuated me to Bangkok to resolve ongoing kidney problems of concern. Bupa also allows me access to medical care within Nepal which is, of course, highly useful. On all of these occasions, Bupa staff have been friendly, kind and helpful to me. I can’t tell you how much I appreciate that. When you feel sick and anxious about your health, knowing that you have a good health insurance company that will cover your medical needs is invaluable. Thank you for the safety and peace of mind that you provide with your services, and thank you for the work of all of your kind and professional staff.

It is only by speaking to people that we can really understand their needs, which is why at Bupa International we make a point of gaining feedback from our members and providers. It makes us confident that we are delivering a good service, and helps us to develop a strong proposition for the future.

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CUSTOMER TEST IMONIAL

KNOWING Y OU R CUSTOMERS (CONT I NU ED)


UNDERSTANDI NG OUR PRODUCTS AND SERVICES


Our health insurance products and services are offered to expatriates throughout the world. Cover is available on an individual or company basis and is flexible enough to match the specific needs of our members.

WORLDWIDE HEALTH OPTIONS FOR INDIVIDUALS AND FAMILIES

Worldwide Health Options is our menu-driven plan for individuals and families. It is a modular system that allows individuals to build cover specific to their needs. Starting with a core benefit (Worldwide Medical Insurance), members simply add whatever other modules they need – from additional out-patient benefits and health assessments, to cover for worldwide medicines and evacuation. There is something for everyone and it has been designed in such a way that it really couldn’t be easier to understand. The flexibility isn’t just restricted to the product features and benefits – there are also a number of options to reduce premiums. For example, we have included excess options (known as deductibles) that will help reduce premiums in return for members making partial payments towards specific treatments.

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An annual deductible is an amount that the member pays towards their treatment each year before we will reimburse their claim. We will inform you if a member has a deductible on their plan at the time you pre-authorise their treatment.


LIFELINE OUR HEALTH INSURANCE PLAN FOR INDIVIDUALS

Our Lifeline Plan is aimed at individuals and families and offers three levels of cover.

Essential - covers all in-patient costs and out-patient surgical operations. Classic - builds on the Essential offering but also includes cover for out-patient treatments such as x-rays, consultation fees and complementary medicines. Gold - our most comprehensive plan and includes additional benefits such as family doctor treatment, prescribed drugs and accidental dental treatment.

COMPANY OUR HEALTH INSURANCE PLAN FOR BUSINESSES

Our Company Plan is designed to give businesses everything they need in the world of international health insurance. There are four types of plan to choose from:

Essential - covers all in-patient costs and out-patient surgical operations. Classic - builds on the Essential offering but also includes cover for out-patient treatments such as x-rays, consultation fees and complementary medicines. Gold - includes additional benefits such as family doctor treatment, prescribed drugs and accidental dental treatment. Gold Superior - offers the highest overall annual benefit of £5 million as well as the option to further enhance a selection of benefits such as improved dental and optical care.

Having the four options allows companies to manage their costs and cover depending on what is most relevant to their business. Of course, no two companies are the same, which is why we also include a number of bespoke offerings – so that employers can get the details absolutely right for their employees. To find out what benefits are available to our company members please ensure you pre-authorise all in-patient and day-case treatment in advance to find out co-payments, excesses and benefits.

Bupa’s reputation as the world’s leading healthcare brand has made us the international health insurance provider of choice for many leading companies.

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To view all of our membership cards please visit www.bupa-intl.com

Further product information can be found on our benefits leaflets enclosed or on our dedicated provider web pages at www.bupa-intl.com/for-providers


We believe in delivering a first class service to our members and providers. It is something that people have come to expect and a reason why so many of our members and providers choose us.


BUPA INTERNATIONAL HEALTHCARE SERVICESOur Healthcare Services helpline is often the first point of contact you will have with Bupa International. It is manned by our highly trained customer service advisors and is available 24 hours a day, 365 days a year. Our service advisors are there to help with any query, however big or small. Because of the multicultural nature of our business, our helpline includes linguists who between them speak many different languages; if for some reason we do not have a fluent speaker of a particular language available, we simply contact a service that simultaneously allows you to communicate with us in your native language. This service can be made available within 30 seconds of the call being received into our service centre.

THE CARE TEAM – FOR MEMBER AND PROVIDER PRE-AUTHORISATIONSA case manager will work with you to provide the pre-authorisation statement, discussing the treatment needs of the member and the cost of treatment in line with our contracts. On first point of contact, whether by email or telephone, you will be provided with a dedicated contact name, telephone number and email address. We find this enhances the working relationship between us.

UNDERSTANDING OUR PRODUCTS AND SERVICES (CONT I NU ED)

KEY PERFORMANCE INDICATORS - OUR COMMITMENT TO GOOD SERVICEDelivering a timely, expert and friendly service to our members and providers is integral to our whole service proposition. As a business we operate against a number of key performance indicators that we manage internally to ensure the highest standards are always maintained.

MEDICAL SERVICES PROVIDER REFERRALMaking an appointment with a doctor or locating your nearest facility can often be hard enough when a person is in their own country. That is why we advise our members on the nearest doctor or hospital facility wherever they are in the world. We promote the services available at your facility as we know the expertise available there.

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A SER VI CE TO B E PROUD OF


UNDERSTANDING OUR PROCESS ES

As a Bupa International Network Provider, we want to ensure you know how we will work together. This section outlines our key processes and what they mean for you.


Pre-authorising a claimBefore treating our members, we always ask that you first pre-authorise all in-patient and day-case treatment to ensure that benefit is available and treatment is eligible. This way you know that the member is covered for the treatment you will give and that we will pay the claim.

For the following treatments, pre-authorisation is essential:

° In-patient or day case treatment

° All out-patient surgery

° MRI, CT or PET scans

° Chemotherapy or radiotherapy treatment

We do not, as a general rule, guarantee payment for outpatient treatments and services (not including the above)as these have annual limits and payment is subject to the limit remaining at the time the claim is received. However, in some circumstances we do arrange for out-patient direct settlement to be made available for our members.

The process for pre-authorising treatment for our members is outlined below.

CONTACT OUR 24-HOUR HEALTHCARE SERVICES DEPARTMENT TO CONFIRM ELIGIBILITY Treatment can be authorised in a matter of minutes by making a call to the Healthcare Services department. You should contact us with full patient details including name, date of birth, details of symptoms, diagnosis, procedure and planned admission dates. Alternatively, you can fax or email the appropriate details to us and we will respond within 24 hours. Please note that in case of an emergency admission always contact the 24 hour helplines as soon as possible. Our standard pre-authorisation forms for fax and emails can be downloaded from the dedicated provider pages at www.bupa-intl.com/for-providers.

Bupa internationalTelephone: +44 1273 323 563Fax: +44 1273 866 301Email: [email protected]

ihi BupaTelephone: +45 33 15 33 00Fax: +45 33 22 25 60Email: [email protected]

If you need to pre-authorise treatment for a member of Bupa Latin America, call the USA Medical Services team on +1 305 275 1500 or visit www.bupalatinamerica.com for more information.

A PRE-AUTHORISATION LETTER WILL BE ISSUEDOnce a claim has been authorised, full pre-authorisation will be sent to you with full details of the agreed cover. This will outline exactly what cover the member is entitled to and should be used as a reference for any future correspondence.

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IF A CLAIM HAS BEEN PRE-AUTHORISEDThere is no need for a claim form. Once a patient has been discharged simply send us the pre-authorisation letter, signed by the member and the treating doctor, along with any invoices to the address listed.

IF A CLAIM HAS NOT BEEN PRE-AUTHORISEDYou will need to complete a claim form, and submit this along with any invoices to the address on the opposite page. Please note that until we have seen the details of the claim, we cannot guarantee that payment will be made in full (which is why it is always better to get any treatment pre-authorised).

ONCE A CLAIM HAS BEEN MADEWe aim to keep our claims management process as simple as possible. If we need any more information before processing your claim for payment we will contact you, otherwise you should expect to receive your payment within 30 days.

CLA IMS MANAGEMENT

CLAIMS SETTLEMENTWe can settle invoices in over 100 currencies. Simply provide us with the relevant hospital account details and we can settle your claims direct within 30 days. Alternatively we can pay you by cheque.

POLICIES AND PROCEDURESSecurity, Confidentiality and Data Protection - At Bupa we take the confidentiality of patient and member information extremely seriously and we fully comply with the following policies:

° Medical Confidentiality Guidelines (UK)

° ABI Codes of Practise

° Data Protection Legislation (UK)

We would expect our Network Providers to abide by this or equivalent local legislation.

Disaster Recovery - The Bupa group has a Business Continuity Planning (BCP) programme in place. It provides our business with the capability to continue running its critical processes in the event of a major incident affecting any location, whether it be in the UK or abroad.

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From receiving a claim right through to making payment, we try to make the process as simple and straightforward as possible. Here are some useful things to remember:


The claim form and invoices are received at Bupa International

The claim and accounts are scanned

and indexed onto our system

The claim is validated against the pre-

authorisation given, benefits purchased and

the contract rates

Once the claim has been paid a claims statement is produced and sent to

you for your records

claims management oVerVieWOur claims and member management system runs through the heart of our business and, where needed, can be accessed by every Bupa International employee dealing with claims from around the globe. This ensures absolute consistency and continuity across all areas of the business – and is easily accessed should you ever have a query. The process flow below outlines the simplicity of our claiming process:

send claims to:Bupa International, PO Box 2647, Brighton,

BN1 2JW, United Kingdom.

IHI Bupa, Palaegade 8, 1261 Copenhagen K Denmark.

On receipt of the invoice, eligible payment will be issued within 30 days.

If the claim is approved then it is processed in real time and payment

made as per agreed payment instruction

In some cases we may require further information from you. We

will contact you directly to discuss what information we require to

process the claim effectively


If you’re looking for support, the first place you go to should always be our website. It provides access to a wealth of information from product and contact information, process diagrams and our regular quarterly communication ProviderWorld.

For further information simply visit www.bupa-intl.com/for-providers

With the growing global need to deliver online facilities to our customers, Bupa International has developed a number of online tools that complement, enhance and add value to our members and business partners every day. It’s yet another example of how we are leading the way within the industry.

ONLINE TOOLS FOR OUR PROVIDERS

PROVIDERWORLDTo stay completely up-to-date with everything at Bupa International you can access our dedicated provider pages through www.bupa-intl.com/for-providers. You will find lots of useful information on these pages. You can:

° Download a number of useful documents including product overviews for Bupa Worldwide Health Options, Lifeline Plan and Company Plan

° View in detail our pre-authorisation and claims process

° Download our pre-authorisation form and claim form

° Review the Bupa International membership cards

° View team profiles

PROVIDERWORLD NEWSLETTERAs a Network Provider you will automatically receive our quarterly newsletter, ProviderWorld, which will keep you up-to-date with all the news and changes at Bupa International. Also, look out for our regular e-bulletins which will let you know about changes in Bupa International as and when they happen. The newsletter can be accessed on our dedicated provider pages which can be found on www.bupa-intl.com/for-providers.

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ONLINE TOOLS FOR OUR MEMBERS

MEMBERSWORLDAs the name suggests, this is a website specifically for our members. It is password protected and available to anyone who has a Bupa International membership number. It offers comprehensive information about Bupa International membership including frequently asked questions and details of embassies, plus a whole host of additional web tools.

To view a demonstration of the site, the latest version can be accessed by visiting www.bupa-intl.com and clicking on the Membersworld icon.

FACILITIES FINDEROur Facilities Finder enables our members and group secretaries to locate a suitable medical facility from Bupa International’s Medical Provider Network. It is an online tool accessed via our website that allows people to search for quality hospitals and clinics in 192 countries. The site provides details of the medical facilities and all the contact information necessary to allow the member to make an informed choice. Simply visit www.bupa-intl.com/facilities-finder.

S UPPORT ING YOUR ONL INE NEEDS

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As a leading international brand in the health and care market, one of Bupa’s real strengths is our marketing ability – and we see this as a key factor in our success as a business. We have learnt many valuable lessons over the years, one of them being that marketing becomes much more effective when carried out in partnership with like-minded organisations. Here are just some of the ways in which we might be able to help:

PROMOTION ON OUR ONLINE SEARCH TOOLAll of our Network Providers are promoted on Bupa’s online search tool - Facilities Finder. This tool is accessible to all Bupa International members, corporate businesses and group administrators.

WE WILL ALSO PROMOTE YOU IN OTHER WAYS:

° Your facility will be promoted by one of the world’s leading provider of international private medical insurance for expatriates

° You will feature on our websites, available both to our members and our corporate group secretaries

° We will also promote your facility via our regular member communications

° We may choose to feature you in our monthly communication to brokers, Globalview

° You may be invited to feature in our quarterly provider showcase

We aim to support the sales and marketing needs of all our Network Providers in any way we can. The closer we work together the more value it will add to both of our businesses.

CAR IN G ABOU T YOUR SALES AN D

MARKE T IN G NEED S

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PR AND MARKETING TOOLKIT On joining the Bupa International network you may wish to promote your relationship with us to the media in your catchment area. Your public relations or marketing team may have good relationships with local journalists and contact them regularly. If not, you may find our toolkit helpful. It offers a guide to how to identify and approach your local media and a press release template that you can simply complete with your facility’s details and send back to us for approval.

BRANDED PROMOTIONAL ITEMS We have produced Bupa branded promotional items that you may wish to order for display or use in your facility. We have everything from stress balls to notepads, mouse mats to watches. Simply contact us at [email protected] for more information.

CORPORATE VIDEOThere are many different media types we use to promote our brand, products and services to potential customers. One such media is video. Bupa International has produced a short corporate video that portrays our customer types, our global presence and the types of service we offer. All of our corporate videos are available at www.bupa-intl.com.

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C ARING A B OUT YOUR SALES AND MA RKE T IN G NEEDS (CONT INUED)


Here’s what one of our existing Network Providers says about working with Bupa International:“The Bumrungrad hospital and Bupa International have been working together for more than 10 years to ensure that our mutual clients and patients receive high quality treatment and personalised care. Our teams work seamlessly together to ensure that there is a timely exchange of clear and comprehensive information. This together with our direct billing arrangement means that the patient has the peace of mind that everything is taken care of and can concentrate on getting better.” Karen Carter, Bumrungrad’s Chief Operating Officer

G IV ING YOU THE CREDIT YOU DES ERVE

Providers who are already a part of our Provider Network will tell you that joining Bupa International is a decision that benefits everyone – Bupa members have more options when looking for medical support, Bupa has the advantage of closer links with various providers and medical experts, and providers like yourself are promoted on a global scale by one of the world’s most trusted brands.


We have developed a Quality Assurance Programme for our 7,500 Network Providers worldwide in collaboration with Joint Commission International (JCI), the world’s leading international healthcare accreditation body. The programme will reassure our customers that when using a Network Provider they have access to quality healthcare treatment wherever they are in the world.

Developed by clinical staff from Bupa International and expert consultants from JCI, hospitals will receive a set of self assessment tools based on internationally recognised standards. Using these tools, hospitals can assess their medical facilities and clinical quality, including patient safety, clinical services, hospital management, staff and the general environment and equipment.

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BUPA INTERNATIONAL ’S QUAL ITY ASSURANCE PROGRAMME

“We’re excited to be working with JCI in developing our Quality Assurance Programme. At Bupa International, we put quality at the heart of everything we do. This programme differs from those used by many health insurers because we use medical expertise to set standards for those hospitals and facilities that we promote to our customers, enabling us to select hospitals primarily according to the hospital’s ability to provide the right treatment and quality of care. The tools also help us to direct medical evacuations to the most appropriate facility. Our collaboration with JCI means that we can support hospitals in their continual quality improvement initiatives, ensuring standards improve further.”Dr Sneh Khemka, Medical Director, Bupa International

The quality assessment questionnaire helps us to assess the standards of care, relative to their location. Other benefits include:

° Promotion on an international level to all our customers as well as inclusion in communications to your local customers

° An anticipated increase in the number of members receiving treatment at your facility

° Free access to Bupa International Quality Assessment tools, which measure your hospital’s overall quality

° Support from the Bupa International Quality team, who have experience of assessing hospitals across the world


For Pre-authorisation you can contact us at:

Bupa internationalTelephone: +44 (0) 1273 323 563 (24 hour response time)Email: [email protected] Invoice submission: PO Box 2647 Brighton BN1 2JW United Kingdom

ihi BupaTelephone: +45 33 15 33 00Email: [email protected] Invoice submission: Palaegade 8 1261 Copenhagen K Denmark

For claims and payment queries you can contact us byEmail: [email protected]

Useful WebsitesBupa International website: www.bupa-intl.com

Useful addressesBupa International UK head officeRussell HouseRussell MewsBrighton BN1 2NRUnited Kingdom

To offer the best level of service we can to providers all around the world we have collaborations with a number of dedicated service partners who work with Bupa International. Our service partners have a local presence and knowledge of the market they operate in and often speak the local language. The service partner will undertake a number of duties on our behalf, these include:

1. Pre-authorisation of treatment2. Processing of claims3. Case management, where needed

Opposite is a list of our service partners and the ways in which you can contact them. If you are part of a service partner network you should ensure you contact the service partner in your location and not Bupa International.

As an international business, we know all about the importance of good communication. This section includes all the relevant contact details you might need to help with any of your enquiries. All we ask is that if you do need our support please get in touch – we will help in any way we can.

Increasingly, we are utilising the services of Medical Correspondents to provide more local knowledge and assistance. Medical Correspondents can assist us, our members and you as our Network Providers, by providing local case management expertise and support. In some instances, a Medical Correspondent will work directly with you to manage in-patient admissions, ensuring that our members receive the most appropriate care at the best value possible.

BE ING CLOSE E NOUGH TO HELP

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SERVICE PARTNERS

MEDICAL CORRESPONDENTS


° Bupa is one of the largest supplier of expatriate health insurance in the world

° When it comes to health and care, Bupa takes care of more lives in more countries than any of our competitors

° Bupa has over 10 million customers and over 52,000 employees around the world

° Bupa International has been the winner of the best International Private Medical Insurance Provider for four out of the last fi ve years (Health Insurance Magazine)

° 59% of Bupa’s customers are based outside the UK

° Since 1979, the Bupa Foundation UK has donated approximately £24 million to medical and healthcare research. Bupa also works with a number of other charitable foundations throughout the world

Here is an example of our standard membership card:

Here is an example of a dual branded membership card:

To view all of our membership cards please visit www.bupa-intl.com

OUR INSURANCE PARTNERSTo extend our reach and offer our members a truly global product we partner with other insurance companies in countries where local regulation dictates. You may sometimes see dual branded cards to refl ect these partnerships. Therefore, please note that cover may vary on dual branded plans from our standard plans. You can fi nd a list of some of our partners below as well as examples of our membership cards.Bupa maltaingosstrakh in russiaoman insurance company in uaeinternational medical insurers in singapore

OUR SERVICE PARTNERSPlease see below for a full list of our service partners and how to contact them.

Bupa asiaTel: (+852) 2517 5323 Fax: (+852) 2517 5326 Email: [email protected]

Invoice submission:Case Management Department (ihi)Bupa (Asia) Limited18/F DCH Commercial Centre25 Westlands RoadQuarry BayHong Kong

Bupa maltaTel: (+356) 22 796 762Fax: (+356) 21 333 100Email: [email protected]

Invoice submission:120, The Strand, Gzira GZR1027, Malta

Bupa thailandTel: (+662) 232 8600 Fax: (+662) 234 1403Email: [email protected]

Invoice submission:9th Floor, Q House Convent Building, 38 Convent RoadSilom, Bangkok 10500

medilink in KenyaTel: (+254) 20 4442 633Fax: (+254) 20 4443 445Email: [email protected]

Invoice submission:Ring Road Westlands Centro House, 4th FloorP.O. Box 200870-000100NairobiKenya

total care network (tcn) in greeceTel: (+30) 210 628 8034Fax: (+30) 210 801 4660Email: [email protected]

Invoice submission:Aharnon Street 17145 61 Kifi ssiaGreece

medical service organisations (mso) in south africaTel: (+27) 11 259 5402Fax: (+27) 86 582 0113Email: [email protected]

Invoice submission:P.O. Box 1578Gallo Manor2052South Africa


Bupa International Russell House Russell Mews Brighton BN1 2NR United Kingdom

www.bupa-intl.com


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